Insurance Options for Party Rental Businesses

Operating an inflatable or party rental business involves risks that may require specialized commercial insurance coverage.

Kiddie Jumps does not sell, underwrite, broker, or provide insurance. The companies listed below are independent insurance providers or agencies that may offer coverage for inflatable rental companies, party rental businesses, amusement operators, family entertainment businesses, and related industries.

Customers should contact each insurance provider directly to discuss their business, equipment, coverage needs, eligibility requirements, premiums, deductibles, exclusions, and policy terms.

Insurance Providers

Cossio Insurance Agency / We Insure Inflatables

Cossio Insurance Agency specializes in insurance for inflatable rental companies, party rental businesses, amusement operators, and related entertainment businesses.

Coverage options may include:

• General liability

• Inflatable and party rental liability

• Inland marine and equipment coverage

• Commercial auto

• Workers' compensation

• Property coverage

• Cyber liability

• Other specialty commercial insurance

Phone: 864-688-0121
Email: info@cossioinsurance.com
Website: https://www.cossioinsurance.com
Inflatable Insurance Website: https://weinsureinflatables.com

Cossio works with inflatable and party rental businesses throughout the United States and may provide coverage for businesses operating bounce houses, slides, obstacle courses, mechanical attractions, tents, tables, chairs, and other rental equipment.

Liberty United Insurance Services / Insure My Jumper

Liberty United Insurance Services offers insurance programs for party rental businesses, inflatable rental operators, and amusement businesses.

Coverage options may include:

• General liability

• Party rental liability

• Inland marine and equipment coverage

• Commercial auto

• Workers' compensation

• Umbrella liability

• Property coverage

• Other commercial insurance products

Phone: 888-688-3788
Alternate Phone: 818-761-8888
Email: info@libertyunitedinsurance.com
Website: https://www.libertyunitedinsurance.com

Coverage may be available for businesses operating inflatables, mechanical rides, concession equipment, trampolines, rock walls, tents, tables, chairs, and other party rental equipment.

XINSURANCE

XINSURANCE provides specialty liability insurance for businesses and activities that may be difficult to insure through traditional commercial insurance markets.

Inflatable and bounce house businesses are among the types of operations XINSURANCE may consider.

Coverage options may include:

• General liability

• Specialty liability

• Excess liability

• Commercial insurance for higher-risk operations

• Customized liability programs

Phone: 877-585-2853
Email: info@xinsurance.com
Website: https://www.xinsurance.com

XINSURANCE may also be worth contacting if a business has experienced difficulty obtaining coverage, cancellation, non-renewal, or limitations from another insurance provider.

McGowan Program Administrators

McGowan Program Administrators offers specialty commercial insurance programs for amusement, entertainment, recreation, and family entertainment businesses.

Coverage options may include:

• General liability

• Property coverage

• Inland marine

• Commercial auto

• Workers' compensation

• Other specialty amusement insurance programs

Phone: 440-333-6300
Contact: Drew Tewksbury
Extension: 4305
Email: dtewksbury@mcgowanprograms.com
Website: https://www.mcgowanprograms.com

McGowan may be particularly useful for larger rental operations, amusement businesses, family entertainment centers, and companies operating a broader variety of attractions.

Types of Insurance to Consider

Every rental business is different. The type and amount of insurance you need may depend on your equipment, state, employees, vehicles, customers, venues, annual revenue, rental volume, and the types of events you service.

The following are common types of coverage party rental and inflatable businesses may wish to discuss with a qualified insurance professional.

General Liability / Party Rental Liability

General liability is one of the most important coverages for an inflatable or party rental company.

It may provide protection against certain claims involving:

• Bodily injury

• Customer or guest injuries

• Property damage

• Accidents associated with your business operations

• Certain legal defense costs

Schools, churches, municipalities, corporate customers, parks, event venues, and other organizations may require proof of general liability coverage before allowing a rental company to operate at an event.

Ask your insurance provider whether your policy specifically covers inflatable rentals and every category of equipment you operate.

Inland Marine / Equipment Coverage

Inflatable and party rental equipment frequently moves between storage facilities, vehicles, customer locations, and event sites.

Inland marine or equipment coverage may help protect qualifying business equipment against certain losses while:

• In storage

• Being transported

• At an event location

• Away from your primary business location

Depending on the policy, coverage may be available for losses involving theft, fire, vandalism, or other covered events.

Ask whether your inflatables, blowers, generators, tents, tables, chairs, games, concession equipment, tools, and other rental assets are covered.

Commercial Auto Insurance

If your business uses vehicles to deliver, install, retrieve, or transport rental equipment, discuss commercial auto insurance with your insurance provider.

A personal automobile insurance policy may not provide appropriate coverage when a vehicle is being used for commercial activities.

Coverage needs may apply to:

• Delivery trucks

• Cargo vans

• Pickup trucks

• Trailers

• Employee-operated vehicles

• Other vehicles used for business purposes

Ask your insurance provider how your vehicles, drivers, trailers, and delivery activities should be insured.

Workers' Compensation

Businesses with employees may be required to carry workers' compensation insurance depending on applicable state law.

Workers' compensation may provide benefits for qualifying employees who suffer work-related injuries or illnesses.

Party rental employees may perform physically demanding work involving:

• Loading and unloading inflatables

• Setting up equipment

• Anchoring units

• Moving heavy rental equipment

• Driving delivery vehicles

• Working outdoors

• Cleaning and maintaining equipment

Requirements vary by state. Consult an insurance professional and appropriate state agencies to determine your obligations.

Umbrella or Excess Liability Insurance

An umbrella or excess liability policy may provide additional liability limits beyond certain underlying commercial insurance policies.

This coverage may become increasingly important as a rental company grows or begins servicing:

• Large public events

• Festivals

• Schools

• Municipalities

• Government agencies

• Corporate events

• Large venues

• High-attendance events

Some customers or venues may require higher liability limits than a standard policy provides.

Cyber Liability Insurance

Rental companies increasingly operate online and may collect sensitive customer information through:

• Online reservations

• Websites

• Payment processors

• Customer databases

• Email

• Electronic contracts

• Online waiver systems

Cyber liability insurance may provide protection for certain incidents involving data breaches, cyberattacks, compromised customer information, or other covered technology-related risks.

Discuss cyber coverage with your insurance provider if your business collects, stores, or electronically processes customer or payment information.

Preparing to Request an Insurance Quote

Before contacting an insurance company, gathering your business information in advance may make the quoting process easier.

An insurance provider may ask for:

• Business name

• Business address

• Business structure

• Years in business

• Estimated annual revenue

• Estimated annual rental revenue

• Number of employees

• States or areas where you operate

• Types of events you service

• Complete equipment inventory

• Manufacturer information

• Equipment values

• Rental agreements

• Liability waivers

• Safety rules

• Operating procedures

• Inspection procedures

• Maintenance procedures

• Previous insurance information

• Claims or loss history

• Driver information

• Vehicle information

• Storage information

New businesses that do not have previous insurance or loss history may be asked to provide a statement indicating that they are a new operation.

Equipment Inventory

When requesting insurance, provide the insurance company with a complete and accurate description of the equipment your company intends to rent or operate.

This may include:

• Bounce houses

• Wet/dry combo units

• Water slides

• Dry slides

• Obstacle courses

• Interactive inflatables

• Inflatable games

• Sports inflatables

• Toddler units

• Inflatable playlands

• Mechanical attractions

• Rock walls

• Trackless trains

• Foam equipment

• Concession equipment

• Tents

• Tables

• Chairs

• Generators

• Blowers

• Trailers

• Delivery vehicles

• Other amusement or rental equipment

Do not assume that an insurance policy covering one type of inflatable automatically covers every type of amusement device or rental product.

Questions to Ask Your Insurance Provider

Before purchasing a policy, consider asking:

• Does this policy specifically cover commercial inflatable rentals?

• Are all of my inflatable units covered?

• Are wet inflatables and water slides covered?

• Are obstacle courses covered?

• Are interactive games covered?

• Are mechanical or specialty attractions covered?

• Are tents and other party rental products covered?

• Is equipment covered while being transported?

• Is equipment covered while stored?

• Is equipment covered while set up at a customer's location?

• Are theft, fire, and vandalism covered?

• Are my delivery vehicles and trailers properly covered?

• Are employees covered while setting up and removing equipment?

• Does the policy include products-completed operations coverage?

• What liability limits are included?

• Is umbrella or excess liability available?

• What is the deductible?

• What exclusions apply?

• Are there equipment types that the insurance company will not cover?

• Are there age, height, weight, or operating restrictions?

• Are there weather-related requirements or exclusions?

• Are specific anchoring procedures required?

• Are attendants required for certain equipment?

• Are written rental agreements required?

• Are customer waivers required?

• Are documented inspections required?

• Are maintenance records required?

• Can Certificates of Insurance be issued to customers and venues?

• Is there a fee for additional insured certificates?

• How quickly can Certificates of Insurance be issued?

• Are schools, churches, municipalities, parks, festivals, and corporate events covered?

• Can coverage follow the business when operating outside its home state?

• What happens if I purchase additional equipment during the policy period?

It is important to disclose all equipment and business activities accurately to your insurance provider.

Certificates of Insurance and Additional Insured Requests

Many commercial customers and event locations may request a Certificate of Insurance, commonly referred to as a COI.

Customers may also request to be listed as an additional insured.

These requirements are common when servicing:

• Schools

• Churches

• Municipalities

• Parks

• Festivals

• Corporate events

• Community organizations

• Government agencies

• Commercial venues

Ask your insurance provider whether Certificates of Insurance and additional insured endorsements are available, how they are requested, and whether additional fees apply.

Insurance Requirements Vary by Location

Insurance requirements may vary by state, county, city, municipality, venue, customer, and type of equipment.

Some jurisdictions may also require:

• Amusement device permits

• Equipment inspections

• Annual registrations

• Operator licenses

• Proof of insurance

• Minimum liability limits

• State-specific certifications

• Specific operating procedures

Customers are responsible for determining and complying with all laws, regulations, insurance requirements, inspection requirements, permitting requirements, and safety requirements applicable to their business.

Important Insurance Disclosure

Kiddie Jumps does not sell, provide, broker, underwrite, administer, or issue insurance policies.

The insurance companies and agencies listed on this page are independent third parties.

Unless specifically stated otherwise, Kiddie Jumps is not affiliated with, owned by, controlled by, sponsored by, or acting as an agent for any insurance company listed on this page.

The inclusion of an insurance provider on this page does not constitute an endorsement, recommendation, warranty, or guarantee by Kiddie Jumps.

Kiddie Jumps does not guarantee:

• Insurance availability

• Policy approval

• Premium amounts

• Coverage limits

• Deductibles

• Claims coverage

• Claims payment

• Certificate issuance

• Additional insured status

• Eligibility

• Underwriting decisions

• Policy terms

• Renewal

• Pricing

• Coverage for any particular product or activity

Insurance products, eligibility requirements, coverage, exclusions, pricing, underwriting guidelines, and availability may change without notice.

Customers should contact each insurance provider directly and carefully review all insurance policies, endorsements, exclusions, limitations, and requirements before purchasing coverage or operating rental equipment.

Kiddie Jumps cannot determine whether any particular insurance policy is sufficient for a customer's business.

Customers should consult a qualified insurance professional regarding their specific insurance needs.

Purchasing equipment from Kiddie Jumps is not contingent upon using any insurance provider listed on this page.

The information provided on this page is for general informational purposes only and should not be considered insurance, legal, tax, or financial advice.